Podcasts about retirement strategies

This week I'm discussing the latest Social Security Trustees Report, what it means for your future benefits, what changes may be coming, and how millions of Americans are already planning ahead. I'll dig into the psychology and strategy of spending down your savings once you retire, including how to transition from saving to spending, why an "intentional adjustment" matters, and the critical role of having a written plan. I also answer listener questions about withdrawal strategies and how to weigh the decision of working "one more year."    You will want to hear this episode if you are interested in...   [00:32] The latest Social Security Trustee Report [09:14] Discussing Social Security and Retirement Strategies [12:12] Adjusting to Retirement Spending [16:25] Finding purpose in retirement spending [19:44] The go-go years in retirement [26:56] Withdrawal strategies and investment planning [32:28] Managing taxes with inherited IRA [37:24] Evaluating Retirement vs. Working Longer [43:03] Understanding Annuity Penalties and Risks What the Latest Social Security Report Means Recent headlines about Social Security's future have stirred anxiety for those nearing—or already in—retirement. The Social Security Trustees' latest report brings sobering news: if no legislative action is taken, benefits will face a 22% cut by the end of 2032. For the average American, that translates to receiving just 78 cents on the dollar compared to today's checks. Roughly 73 million Americans currently collect Social Security, with that number projected to hit nearly 80 million by 2035. 66% of today's retirees lean heavily on these benefits, up from 52% twenty years ago. Aging populations, fewer pensions, and growing living costs further exacerbate the shortfall. Adjusting Your Retirement Plan in Uncertain Times With these potential benefit cuts looming, many are rethinking their assumptions. Some pre-retirees adjust their retirement income projections to reflect "worst-case" Social Security—assuming perhaps only 75-78% of currently promised benefits. This kind of conservatism can bring peace of mind when planning, though it's still possible that Congressional fixes will preserve more generous payouts. Planning for the unknown also means keeping tabs on Social Security's annual earnings cap, which is rising—from $168,600 in 2024 to $184,500 in 2026. For top earners, this means more taxable income, and for retirement planners, one more variable to consider.   The Psychology and Practicality of Decumulation Flipping from saver to spender is often more difficult than expected. Many accumulate for decades, watching their nest egg grow, and then feel uneasy as withdrawals begin. Having a clear spend-down plan is crucial—not only for finances, but for confidence and peace of mind. Try a "bucket" strategy—dividing assets into income, cash reserve, and long-term growth buckets. By doing this, you'll be able to weather market swings and adjust spending appropriately in both up and down years. Importantly, plans should be flexible: during bull markets, withdrawals might increase modestly; in downturns, tightening the belt can protect long-term sustainability.  The Measure of Retirement Success Retirement fulfillment isn't about dying with the largest possible nest egg,  it's about achieving financial independence, enjoying freedom, and creating meaningful connections. Studies show that those who use their savings for experiences, relationships, and a sense of purpose report far greater happiness. This is about it in these terms, if you knew with certainty that your money would last, how would you spend differently starting tomorrow in retirement? Reflecting on this can help clarify goals and foster the confidence to pursue a fulfilling vision for retirement. Resources & People Mentioned 3 Steps to Retirement Planning The 2026 OASDI Trustees Report  Older Adults' Knowledge and Attitudes Related to the Social Security Trust Fund    Connect With Gregg Gonzalez   Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

Is your retirement portfolio truly diversified, or does it just look that way on paper? In this episode from this past weekend’s radio show, Mike Douglas explores the risks of concentrated investments, the growing influence of tech stocks, and why diversification is about more than simply owning multiple funds. He also discusses how changing tax laws can impact retirement planning and why a proactive strategy for income, taxes, risk, and estate planning may help retirees adapt to changing market and legislative environments. Learn why every retirement plan should include a backup plan before it's needed. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

What if retirement isn't about having more money, but having a better plan? Steve Hoyl and Derrek Caldwell discuss why many people feel overwhelmed by retirement decisions and how a step-by-step approach can bring clarity. They break down key elements of retirement planning, including income needs, spending habits, taxes, legacy considerations, risk management, and forgotten 401(k)s. The conversation highlights common planning mistakes, the importance of understanding your risk score, and why retirement strategies should evolve as life changes. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

Can real estate play a bigger role than your 401(k)? Kathy Fettke and longtime RealWealth Investment Counselor Joe discuss the retirement strategies that helped him retire with confidence and how rental properties can create lasting income, hedge against inflation, and strengthen your retirement plan.   Do you want to learn how to retire through real estate investing? Go to www.Realwealth.com/Schedule to meet with one of our Investment Counselors.   DISCLAIMER The views and opinions expressed in this podcast are provided for informational purposes only, and should not be construed as an offer to buy or sell any securities or to make or consider any investment or course of action. For more information, go to www.RealWealthShow.com.

Hot investments grab headlines, but do they belong in a retirement plan? JoePat Roop discusses the SpaceX IPO, retirement income strategies, long-term care concerns, and why retirement planning requires more than stock market predictions. He also introduces the “tax triangle” concept and explains how retirees can think differently about tax-free, tax-deferred, and taxable assets while building a stronger retirement strategy. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

This episode of Money Talk opens with a tribute to Alan Greenspan, who passed away at age 100. Hosts Dave Spano and Chief Economic Strategist Dr. Brian Jacobson reflect on his long tenure as Fed Chair (1987–2006), the evolution of Fed transparency (from the “briefcase indicator” to today's detailed forward guidance and dot plots), his famous “irrational exuberance” warning, and parallels to current AI-driven productivity gains.Market and Economic DiscussionAI and “Tech Wreck”: The conversation shifts to recent market volatility in tech, particularly the move from semiconductors (Nvidia etc.) to memory chips (Micron and others). Record earnings and ~85% gross margins at Micron highlight strong pricing power, but any hint of slowing growth causes big stock swings. This demand is driving up consumer prices—Apple, Microsoft (Xbox), and Sony raised device prices, with electronic goods up ~10% year-over-year per the PCE index.Data Centers and Policy Risks: Explosive data center growth faces local/state pushback and potential federal moratoriums, adding election-year volatility.Global Update: UK political turmoil post-Brexit and rising populism; Middle East developments with ships resuming through the Strait of Hormuz, causing oil prices to round-trip lower; a flattening Treasury yield curve signaling possible slower growth.Financial Planning SegmentsRestricted Stock Units (RSUs): Tom Bergholtz and Arabella Parent explain RSUs as common equity compensation—graded vs. cliff vesting, tax treatment (ordinary income at vesting, capital gains on sale), withholding shortfalls, and differences from Restricted Stock Awards (RSAs).Retirement Milestones: Senior Wealth Manager Mary Lou Davidoff outlines key ages (50, 55, 59½, 62, 65, 70, 73, etc.) for tax, Social Security, and savings strategies. Emphasis on starting early (e.g., Roth IRAs), flexibility when “life happens,” and holistic planning.Caregiver Tax Benefits: Dan Phillips highlights overlooked deductions and credits for the 63 million family caregivers (big rise in recent years), including dependent care credits, medical expense deductions (above 7.5% AGI), and record-keeping tips. A proposed Caregiving Act is noted.Wealthy Retiree Mindsets: Mike Dodge discusses habits like intentional spending with guardrails, continued investing for longevity/inflation, emotional discipline, proactive tax/estate/gifting strategies (including QCDs), and viewing wealth beyond just money (health, time, relationships).2026 Investment Themes: Mike Kirk covers AI integration for productivity, energy demands from data centers, shifting demographics and consumer habits across generations, and positioning portfolios around these macro forces.Historical ContextDr. Brian Jacobson continues the “America 250” series on 1913: creation of the Federal Reserve after the 1907 Panic, the 16th Amendment (income tax), 17th Amendment (direct Senate election), and shifts during WWI.The show reinforces Annex Wealth Management's fee-only fiduciary approach, in-house planning services, and encourages listeners to use the “Get Started” button at annexwealth.com. It balances market analysis, practical planning advice, and long-term perspective.

The first meeting can shape your entire financial future—if it’s done right. Christian McPherson explains how understanding goals, risk, and income needs builds a stronger plan. The episode also explores retirement risks, market volatility, and staying engaged in your financial strategy. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Are you saving for retirement—or saving yourself from actually living it? This episode explores how fear of running out of money leads many to hoard wealth instead of creating meaningful experiences. Steve Anzuoni discusses shifting the focus from accumulation to income, using strategies that prioritize steady cash flow, tax-efficient wealth transfer, and personal fulfillment. From guaranteed income planning to rethinking Social Security’s future, the conversation highlights practical ways to balance financial security with enjoying life now—while still preparing thoughtfully for the next generation. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

Joel Robinson is the founder of Radical Investment. We're talking about how the investment industry treats volatility as 'risk', when in reality, it might be what you're missing.Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Check out latest SubstackThank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.Affiliate Links!The Bitcoin Adviser: Plan for intergenerational digital wealth.Hatch: For US markets.Revolut: For a new type of banking.Sharesies: For local, and international markets.Loan My Coins: Bitcoin lending product.Exodus: Get rewards on your first $2,500 of swapsGet Social:Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.www.radicalinvestment.co.nz________________________Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Are today’s low tax rates creating an opportunity—or a future challenge? This episode with Matt Deaton explores Roth conversions and why relying solely on projections and assumptions can lead to flawed decisions. The discussion focuses on understanding current versus future tax rates, how income sources shape your tax picture, and why every strategy needs to be personalized. You’ll also hear how taxes, income planning, and long-term projections work together, along with the role of consistency and discipline in navigating the ups and downs of retirement planning. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What if retirement confidence came down to one thing—your paycheck? Steve Anzuoni breaks down why income planning—not market performance—is the foundation of a steady retirement. He explains how combining income strategies with wealth management can reduce guesswork, create reliable cash flow, and help address inflation concerns. From guaranteed lifetime income to being proactive with savings and rates, the conversation highlights practical ways to build consistency and comfort in retirement without relying on market highs alone. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

Is your retirement strategy running on autopilot in an unpredictable market? In this episode of Retirement Coffee Talk, Charisse Rivers Zinnia Wealth breaks down why relying on standard tech-heavy portfolios and "set-it-and-forget-it" rebalancing could expose you to high levels of risk. Discover how to shift gears between safe money strategies and growth buckets as market conditions evolve. Plus, learn how to turn your accumulated 401(k) savings into a reliable personal pension, allowing you to bridge the income gap, navigate changing interest rates, and retire confidently on your own terms. Like this episode? Hit that Follow button and never miss an episode!

This episode features a lively discussion on retirement planning, the importance of lifetime income, and strategies to secure financial stability in retirement. Experts share insights on market trends, inflation, and practical steps to avoid common pitfalls.See omnystudio.com/listener for privacy information.

What separates confident retirees from everyone else? This episode with Damon Roberts & Matt Deaton breaks down the key habits behind successful retirement strategies, from consistent saving to managing risk and building income. The discussion highlights how preparation, not guesswork, shapes financial outcomes over time. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Nick Bruining, independent financial adviser, joins Nightlife regularly to talk about the ever-changing world of business and finance and what these changes mean for you.

Do you really need a million dollars to retire, or is that number misleading you? This episode explores why focusing on income, not account balance, reshapes retirement planning. The conversation breaks down how to build reliable monthly cash flow, uncover hidden investment fees that can quietly erode savings, and recognize key red flags when choosing a financial advisor. It also looks at how interest rate changes impact retirement income strategies and the risks of chasing yield in uncertain markets. With practical insights on structuring income, managing risk, and evaluating costs, this discussion highlights what matters most when turning savings into a sustainable retirement plan. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030See omnystudio.com/listener for privacy information.

Is your portfolio really the problem—or is it your income plan? This episode explores why retirement stress is often tied to how income is structured, not just market performance. Justin Doback breaks down the difference between building wealth and turning it into reliable cash flow, highlighting key decisions like withdrawal strategy, tax efficiency, and income timing. The conversation also covers sequence of returns risk and why relying on one income source can create challenges during market swings. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3577: Jillian Johnsrud compares life to a garden box, explaining how an unchecked career can crowd out relationships, hobbies, health, and purpose long before financial independence arrives. She shares a practical approach to early retirement success through pruning back work, taking mini-retirements, and nurturing small “seedlings” of meaningful activities so life after work feels fulfilling instead of empty. Read along with the original article(s) here: https://www.jillianjohnsrud.com/how-to-avoid-early-retirement-failure/ Quotes to ponder: "It's okay to love your work. But if it's stealing time, energy, and focus from other areas of your life, you're going to have to work hard to keep it in check." "While life might be like a box of chocolates, I'd say it's more like a garden box." "Focus on what you want your FI lifestyle to be and slowly start giving that more of your time and energy." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3577: Jillian Johnsrud compares life to a garden box, explaining how an unchecked career can crowd out relationships, hobbies, health, and purpose long before financial independence arrives. She shares a practical approach to early retirement success through pruning back work, taking mini-retirements, and nurturing small “seedlings” of meaningful activities so life after work feels fulfilling instead of empty. Read along with the original article(s) here: https://www.jillianjohnsrud.com/how-to-avoid-early-retirement-failure/ Quotes to ponder: "It's okay to love your work. But if it's stealing time, energy, and focus from other areas of your life, you're going to have to work hard to keep it in check." "While life might be like a box of chocolates, I'd say it's more like a garden box." "Focus on what you want your FI lifestyle to be and slowly start giving that more of your time and energy." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3577: Jillian Johnsrud compares life to a garden box, explaining how an unchecked career can crowd out relationships, hobbies, health, and purpose long before financial independence arrives. She shares a practical approach to early retirement success through pruning back work, taking mini-retirements, and nurturing small “seedlings” of meaningful activities so life after work feels fulfilling instead of empty. Read along with the original article(s) here: https://www.jillianjohnsrud.com/how-to-avoid-early-retirement-failure/ Quotes to ponder: "It's okay to love your work. But if it's stealing time, energy, and focus from other areas of your life, you're going to have to work hard to keep it in check." "While life might be like a box of chocolates, I'd say it's more like a garden box." "Focus on what you want your FI lifestyle to be and slowly start giving that more of your time and energy." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3567: Christina Browning explains how the path to financial independence starts with one powerful metric: your savings rate. By increasing income without inflating your lifestyle and intentionally reducing major expenses, you can dramatically shorten the number of years you need to work and build a portfolio capable of supporting early retirement. Read along with the original article(s) here: https://www.ourrichjourney.com/post/want-to-retire-early-focus-on-this-rate Quotes to ponder: "Your savings rate is the key to reaching financial independence and retiring early." "Most people tend to spend more as they make more." "The goal is to save more so that you can invest more so that you can reach financial independence and retire early!" Episode references: FIRE Movement: https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp The 4% Rule: https://www.investopedia.com/terms/f/four-percent-rule.asp Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3567: Christina Browning explains how the path to financial independence starts with one powerful metric: your savings rate. By increasing income without inflating your lifestyle and intentionally reducing major expenses, you can dramatically shorten the number of years you need to work and build a portfolio capable of supporting early retirement. Read along with the original article(s) here: https://www.ourrichjourney.com/post/want-to-retire-early-focus-on-this-rate Quotes to ponder: "Your savings rate is the key to reaching financial independence and retiring early." "Most people tend to spend more as they make more." "The goal is to save more so that you can invest more so that you can reach financial independence and retire early!" Episode references: FIRE Movement: https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp The 4% Rule: https://www.investopedia.com/terms/f/four-percent-rule.asp Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3567: Christina Browning explains how the path to financial independence starts with one powerful metric: your savings rate. By increasing income without inflating your lifestyle and intentionally reducing major expenses, you can dramatically shorten the number of years you need to work and build a portfolio capable of supporting early retirement. Read along with the original article(s) here: https://www.ourrichjourney.com/post/want-to-retire-early-focus-on-this-rate Quotes to ponder: "Your savings rate is the key to reaching financial independence and retiring early." "Most people tend to spend more as they make more." "The goal is to save more so that you can invest more so that you can reach financial independence and retire early!" Episode references: FIRE Movement: https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp The 4% Rule: https://www.investopedia.com/terms/f/four-percent-rule.asp Learn more about your ad choices. Visit megaphone.fm/adchoices

Owners fixate on the purchase price of their exit, but the bigger loss to long-term income can come from how Social Security is handled. Get it wrong, and you can quietly lose six figures. Thomas Drapala, Director of Strategic Partnerships at Registered Social Security Analysts (RSSA), explains why 96% of Americans leave money on the table when they treat Social Security as an afterthought. Drawing from his client work, he discusses how self-employment tax, entity structure, and "reasonable compensation" influence Social Security benefits. Thomas also walks through how RSSA's analysis helps owners save thousands of dollars a year in taxes, protect future benefits, and make Social Security a strategic part of their exit plan so it isn't ignored.   In this episode, you will: Understand why every owner should check their SSA earnings record and run an independent analysis before selling Learn what younger owners should do now to avoid losing benefits later See how RSSA analysis ties Social Security into your full exit and retirement plan   Highlights: (00:00) Meet Thomas Drapala (01:42) The shocking statistics on Social Security optimization (03:32) Understanding Social Security rules and benefits (05:49) Strategies for business owners to maximize Social Security (13:37) Case study: The bagel store owner's Social Security optimization (16:52) When it makes sense to bring in a Social Security expert (24:12) How a full Social Security review is done   Follow Thomas: Connect on LinkedIn: https://www.linkedin.com/in/thomas-drapala-rssa%C2%AE-878611207/  Email: thomas.drapala@rssa.com  Learn more about Registered Social Security Analysts: https://rssa.com/    Follow Ed: Connect on LinkedIn: https://www.linkedin.com/in/edmysogland/ Instagram: https://www.instagram.com/defendersofbusinessvalue/ Facebook: https://www.facebook.com/bvdefenders

For most of your working life, the financial question is straightforward: earn more, save more, invest wisely. Then retirement arrives, and the question flips entirely. How do you turn decades of saving into a reliable paycheck that lasts as long as you do?In this episode of Financial Commute, Morton Wealth advisors Chris Galeski and Mike sit down to tackle the retirement income questions clients ask most: the 4% rule, Social Security timing, sequence of returns risk, and the three-bucket strategy that can protect your lifestyle through any market cycle.Questions This Episode AnswersThese are the questions people approaching and entering retirement are genuinely asking. We've addressed them directly below, and the full conversation is available as a transcript further down the page.What questions should I be asking my advisor that I'm not?The most important question isn't about a number — it's about the framework: what decisions today will have the biggest impact 10–20 years from now, and what am I not asking that I should be? The right advisor helps you find those blind spots before they become costly gaps.Does the 4% rule still work today?A useful starting point, but not a strategy. The 4% rule was designed for simplicity, not sophistication. A real plan accounts for your full picture — Social Security, pensions, annuities, taxable and tax-deferred accounts, real estate — each with different tax treatment. Think of 4% as a floor, not a ceiling, and not a substitute for personalized planning.When should I take Social Security?There's no universal right answer — and regret runs both ways. Timing depends on your health, savings, and other income. Delaying to 70 maximizes your benefit, but if you've saved enough to invest early payments and grow them, taking it sooner can make mathematical sense. Run projections across multiple scenarios with your advisor and make the best decision with today's information.What is the three-bucket strategy, and why does it matter in retirement?The bucket approach organizes assets by time horizon rather than treating everything as one pool. Bucket one is your safety net (2+ years of living expenses in low-volatility assets). Bucket two holds income-generating bonds for the medium term. Bucket three is long-term growth — equities you can leave alone through market cycles. When a recession hits, you draw from bucket one, never forced to sell growth assets at the worst possible time.What is sequence of returns risk, and how does it affect retirement income?The danger of major market losses early in retirement — right when you start drawing down. If your portfolio drops 30% in year one and you're selling shares to cover expenses, you lock in losses and permanently reduce future growth potential. The bucket strategy protects against this: draw from your stable bucket in downturns and leave growth assets untouched until they recover.Which account should I draw from first in retirement?Order matters enormously for tax efficiency. Assess your account types (taxable brokerage, traditional IRA/401(k), Roth), your current bracket, and expected Social Security income — then “fill” each bracket optimally. Some years that means pulling extra from an IRA; others it means realizing long-term capital gains from a taxable account. There's no single right answer — revisit it every year.How often should I update my retirement financial plan?At minimum, once a year — and after any major life change. Tax laws shift, markets move, and family situations evolve. An annual check-in lets you ask: does last year's plan still fit this year's life? Most years you won't need dramatic changes, but small course corrections prevent big drift over time.

What if your retirement plan isn’t about stopping work at all? This episode with Damon Roberts & Matt Deaton explores why more people are choosing to keep working, how flexibility changes financial decisions, and the hidden pitfalls of Social Security timing and healthcare costs. It also tackles misinformation, scams, and the importance of building a strategy you can actually trust. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

A strong retirement isn’t built on guessing—it’s built on understanding your income needs and adjusting along the way. This episode with Art McPherson highlights common mistakes with 401(k)s, inflation, and budgeting, while reinforcing the importance of planning for both today and tomorrow. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What if Social Security was never meant to function the way many people think it does today? In this episode, Mike Douglas explains the origins of Social Security, how it has evolved since 1935, and why its structure still operates as a pay‑as‑you‑go system. He discusses common misconceptions about how benefits are calculated, the impact of longer lifespans and demographic shifts, and current concerns about future funding. The conversation also outlines how Social Security fits within a broader retirement income strategy. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

Roth vs traditional IRA decisions can have a major impact on your future taxes, retirement income, and long-term financial flexibility. In this episode of the Wise Money Show, the team breaks down the key differences between Roth and pre-tax retirement accounts, including contribution rules, Roth conversions, required minimum distributions, and tax planning strategies. They also explain how income changes, retirement goals, inheritance planning, and future tax law changes can influence which strategy may be best for you. If you want to build a smarter retirement tax strategy and avoid costly mistakes, this episode is packed with practical financial planning insights.  Season 11, Episode 39 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/mfLuumB51iI  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

On this episode of Fire Your Financial Advisor: Can you “break the bank” on a retirement whim? Sometimes boring is better with investing. Is Vanguard taking it too far? When the estate had bills, how much do you have to pay? Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

This episode of The Road to Retirement focuses on the growing influence of “FinTalk” — financial advice shared through TikTok and social media platforms — and the impact it’s having on investors and retirees. Tripp Limehouse and Steve Sedahl discuss why more people are turning to influencers for financial guidance, the dangers of oversimplified online advice, and how emotional reactions to headlines can derail long-term retirement plans. They also highlight the positive side of social media, including increased awareness around investing, Roth IRAs, ETFs, and retirement planning for younger generations. Throughout the conversation, Tripp emphasizes the importance of personalized financial planning, fiduciary guidance, and having a written retirement plan tailored to each individual’s goals and risk tolerance. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

Are you approaching retirement with $1 million or more savedand wondering how to minimize taxes on your IRA withdrawals, Social Security income, Roth conversions, brokerage accounts, and retirement income strategy?In this episode I'll break down 7 powerful retirement tax planning strategies that high-net-worth retirees can use to potentially reduce or even eliminate portions of their lifetime tax bill.You'll learn:• How some retirees can take IRA withdrawals tax-free • Why Roth conversions are often overused • How the 0% long-term capital gains bracket works • Strategies to reduce taxes on Social Security income • Roth IRA withdrawal rules and common mistakes • Qualified Charitable Distribution (QCD) strategies • HSA planning opportunities in retirement • How Net Unrealized Appreciation (NUA) works for company stock If you are over 50, nearing retirement, or already retiredwith substantial IRA, 401(k), brokerage, or Roth assets, this episode will help you better understand how retirement tax planning impacts:If you are over 50, nearing retirement, or already retired with substantial IRA, 401(k), brokerage, or Roth assets, this episode will help you better understand how retirement tax planning impacts:• lifetime income, • Medicare premiums, • RMDs, • ACA subsidies, • estate planning, • and legacy goals. ⁠Areyou interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Clickthis link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⛳ PFR Nation (Who This Is For)If you're over 50, have saved seven figures (or multipleseven figures), love golf and travel, and you want to make work optional while minimizing taxes… welcome to the right place.

The idea that you need a million dollars to retire comfortably might be one of the most misunderstood headlines in personal finance. In this episode, the conversation shifts away from chasing a big number and toward understanding income, cash flow, and how retirement actually works day to day. The discussion breaks down why most retirees succeed with far less than they expect, how small investment fees can quietly erode savings, and what happens to income when interest rates change. You’ll also hear how to think differently about Social Security, portfolio structure, and the difference between being sold products versus receiving guidance. The focus is on clarity, perspective, and building confidence around retirement income decisions. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030See omnystudio.com/listener for privacy information.

Is there really a “sweet spot” for Roth conversions—or is it more personal than that? In this episode, Abe Abich breaks down when Roth conversions may make sense, especially during lower-income years before Social Security and required distributions begin. He also highlights common mistakes, including doing conversions without proper tax planning, and explains why coordinating with financial and tax professionals matters. The conversation focuses on understanding timing, tax impact, and how these decisions fit into a broader retirement strategy. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Annuities are back in the spotlight, but not for the reasons you might expect. On this episode, Steve Anzuoni breaks down why more retirees and advisors are reexamining annuities as part of today’s retirement income conversations. He shares his long‑standing focus on cash flow, income stability, and avoiding emotion‑driven financial decisions. The discussion also explores replacing lost pensions, assigning a purpose to every dollar, and why retirement planning without a written plan often leads to uncertainty. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

Key Topics Covered:   1. New Pension Tax Rules (2027 Changes) The government's ability to tax pensions on death marks a major shift. Impacts long-term retirement and legacy planning strategies. 2. Understanding the Finance Act Changes The move from proposal to law and what it means in practice. Why this change is significant compared to previous pension rules. 3. Risks of Traditional Pension Planning Relying solely on pensions may no longer be as efficient. Potential erosion of wealth intended for future generations. 4. Taking Back Control of Retirement Planning The importance of being proactive rather than reactive. Exploring alternative strategies to maintain control over assets. 5. Role of SSAS in Wealth Planning Using Small Self-Administered Schemes for flexibility and control. How SSAS can support more strategic wealth management decisions. 6. The “7 C's” Framework A new way to think about retirement planning in changing conditions. Adapting strategies to navigate uncertainty and complexity. 7. Protecting and Transferring Wealth Planning not just for accumulation, but for efficient transfer. Ensuring wealth reaches the next generation as intended. 8. Adapting to Regulatory Change Why staying informed and flexible is essential. Turning policy changes into opportunities for better planning. Actionable Takeaways Review your current pension strategy in light of the 2027 rule changes and assess potential tax implications on death. Avoid relying solely on traditional pension structures—consider diversifying how your wealth is held and managed. Explore options like SSAS to gain greater control and flexibility over your retirement funds. Take a proactive approach to retirement planning rather than waiting for changes to take effect. Develop a clear strategy for how your wealth will be transferred to the next generation. Stay informed on legislative changes and adjust your plans accordingly to protect your assets. Use frameworks or structured thinking (like the “seven seas”) to simplify complex financial decisions. Seek guidance where needed to ensure your long-term wealth strategy remains effective and aligned with your goals. Resources & Next Steps WealthBuilders Membership: Free access to guides, webinars, and community Download our FREE Pensions and Inheritance Tax Guide Connect with Us: Listen on Spotify, Apple Podcasts, YouTube, and all major platforms. Next Steps On Your WealthBuilding Journey:   Join the WealthBuilders Facebook Community Schedule a 1:1 call with one of our team Become a member of WealthBuilders If you have been enjoying listening to WealthTalk - Please Leave Us A Review!

Nick Bruining, independent financial adviser, joins Nightlife regularly to talk about the ever-changing world of business and finance and what these changes mean for you.

Not all financial advisors do the same job—and assuming they do can create real retirement blind spots. In this episode, Frank and Frankie Guida explain common misconceptions about financial advisors and why specialization matters as you move toward retirement. The discussion explores the differences between accumulation-focused advisors and retirement-focused fiduciaries, real-world scenarios involving annuities and fees, and why advice that worked earlier in life may not align with retirement priorities. The goal is to better understand how planning approaches, compensation structures, and areas of focus can shape retirement decisions. Schedule a complimentary appointment: A Better Way Financial Learn more about Frank and Frankie's book here! Buy Frank's book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Buy Frankie's book! Amazon Best Seller, ""A Better Way to Retire: How a Fiduciary Retirement Planner Can Be the Key to Financial Success" CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Everyone loves to hate annuities—yet $464 billion poured into them last year. What do all those retirees know that the loudest critics don’t? Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Why do so many people reach retirement feeling unsure about their finances despite years of hard work and saving? In this episode, Frankie Guida shares his personal path into financial planning and explains why retirement planning often feels overwhelming for individuals trying to navigate it alone. The discussion highlights the lack of financial education, the behind‑the‑scenes realities of the profession, and how thoughtful planning can change the way people view spending, taxes, and long‑term decisions. Frankie also discusses the motivation behind educating families and helping them better understand their options as they approach retirement. Schedule a complimentary appointment: A Better Way Financial Learn more about Frank and Frankie's book here! Buy Frank's book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Buy Frankie's book! Amazon Best Seller, ""A Better Way to Retire: How a Fiduciary Retirement Planner Can Be the Key to Financial Success" CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

In today's Five Question Friday (FQF) video, we cover these questions: 1. Floor & Enjoy Retirement Strategy2. Target Date Funds3. Paying Taxes on Roth Conversions4. Vanguard's New BondBuilder ETFs5. Boldin vs. EmpowerResources From VideoEmpower: https://go.robberger.com/empower/yt-fqfBoldin: https://go.robberger.com/boldin/yt-fqfhttps://longevity.stanford.edu/wp-con...https://robberger.com/spend-safely-in...https://fundresearch.fidelity.com/mut...https://fundresearch.fidelity.com/mut...https://advisors.vanguard.com/tax-cen...https://investor.vanguard.com/investo...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Don and Tom tackle the idea that retirement isn't what it used to be—and maybe shouldn't be at all. From historical retirement ages (when most people never made it) to today's longer, healthier lives, they explore why many people aren't eager to stop working. The conversation shifts to purpose, identity, and the growing trend of “phased retirement,” where people scale back instead of quitting outright. They also answer listener questions on using the TSP's G Fund as a stable anchor in a portfolio and the smartest way to time withdrawals from 529 plans for future medical school costs. Along the way, there's the usual banter, skepticism of industry nonsense, and a firm reminder: retirement is no longer a finish line—it's a design problem.0:05 Don's “retirement strategy”: Don't1:13 Should anyone actually retire anymore?2:06 Financial vs. psychological reasons people keep working3:15 History of retirement ages and why they were set4:39 Longevity trends and aging populations5:04 Why modern retirees want purpose and engagement6:14 Companies encouraging phased retirement (Microsoft example)7:48 Planning the “what will I do?” side of retirement8:28 Why experience makes you better (especially in media)10:12 Retirement identity and self-awareness11:01 Real-world example: professionals scaling back instead of quitting12:34 Don's evolving “never retire” plan14:55 The importance of knowing yourself before retiring16:22 Retirement today vs. historical necessity17:14 Rethinking retirement as continued contribution17:58 Listener question: Using TSP G Fund in retirement allocation20:19 Risks and logistics of split-account rebalancing21:26 Listener question: When to use 529 funds for med school23:17 Why delaying 529 withdrawals maximizes tax advantages24:52 How to submit listener questions26:19 Free advisor meetings and fiduciary pitch (without the noogie)Questions? Comments? Click!

Joe Anderson, CFP® and Big Al Clopine, CPA spitball on whether a popular early retirement strategy could actually blow up your financial plan, today on Your Money, Your Wealth® podcast number 577. Red and Kitty from Wisconsin are burned out at 40 and wonder if retiring at 45 using the 72(t) tax election to take substantially equal periodic payments, or SEPP, is a smart bridge strategy. Jiminy Billy Bob in North Carolina is also considering a 72(t). How should he structure his withdrawal order, and does he need to shift into bonds before downshifting his career? Plus, Steve and Sharon in Minnesota have 8 million bucks. Steve is getting laid off at age 56. What should they do with their 401(k), stock options, incentives, and benefits before and after the layoff? Free Financial Resources in This Episode:  https://bit.ly/ymyw-577 (full show notes & episode transcript) Recession Protection Guide - free download Retirement Readiness Guide - free download 6 Ways Americans Accidentally Sabotage Their Retirement - YMYW TV Financial Blueprint (self-guided): https://bit.ly/PureFinancialBlueprint  Financial Assessment (Meet with an experienced professional): https://bit.ly/PureFreeAssessment  REQUEST your Retirement Spitball Analysis: https://bit.ly/AskJoeAndAl  DOWNLOAD more free guides: https://bit.ly/PureGuides  READ financial blogs: https://bit.ly/PureFinBlog  WATCH educational videos: https://bit.ly/PureEdVideos  SUBSCRIBE to the YMYW Newsletter: https://bit.ly/YMYWNewsletter  Connect With Us: Subscribe on YouTube and join the conversation in the comments: https://bit.ly/YMYW-YT  Subscribe or follow YMYW in your favorite podcast app: https://lnk.to/ymyw  Leave your honest reviews and ratings in Apple Podcasts: https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254    Chapters: 00:00 - Intro: This week on the YMYW Podcast 01:06 - Why Retiring at 45 Using 72(t) SEPP Withdrawals is Risky (Red & Kitty, WI) 13:28 - Early Retirement Strategy: Withdrawal Order, Bonds, and 72(t) (Jiminy Billy Bob, NC) 22:49 - Laid Off at 56 With $7.9M: How to Handle Your Exit Strategy (Steve & Sharon, St. Paul, MN) 43:51 - Outro: Next Week on the YMYW Podcast

Are today's tax rates the lowest you'll ever see in your lifetime?In this episode of Money on Tap, we introduce the concept of “Generation Roth”—a powerful shift in retirement planning focused on building tax-free income in a world where taxes are likely to rise.For decades, traditional retirement planning has relied on tax-deferred strategies like 401(k)s and IRAs. But with growing national debt, changing tax policy, and increasing retirement complexity, that approach may no longer be enough.In this episode, you'll learn:• Why today's tax environment may be historically low  • How rising national debt could impact future tax rates  • The truth about being in a “lower tax bracket” in retirement  • What a Roth IRA is and why it matters now more than ever  • How Roth strategies create tax-free income  • Options for high-income earners who can't contribute directly to a Roth  • The role of Roth conversions and advanced planning strategies  • The concept of “tax diversification” in retirement planning  • How to think about retirement as an income system—not just a savings goal  This episode is designed for anyone who wants to take greater control over their financial future and build a more tax-efficient retirement strategy.Because retirement isn't just about how much you have—it's about how much you keep.

Jack Peregrim is the founder and President of Fourth Quarter Advisors and he has a long career in business and strategy including his 30 years as the founder and owner of PARAGON Development which focused on providing strategic management services to many Fortune 50 global corporations.On his ‘retirement' he personally recognized the complexity in Social Security options as well as Medicare. And, there is very little support and education available other than that offered by individuals and organization driven by revenue received for selling products and services.Jack and others are trained and committed with Certified Financial Fiduciary® designations. And, we are volunteer presenters for workshops sponsored by a number of non-profits which are non-profit 501(C)3 organizations and support programs in a wide range of retirement issues.Jack is a Certified Financial Fiduciary ™ in addition to his involvement in numerous professional and personal organizations.Learn More: https://www.fourthquarteradvisors.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jack-peregrim-founder-of-fourth-quarter-advisors-discussing-3-retirement-strategies-nobody-talks-about

Jack Peregrim is the founder and President of Fourth Quarter Advisors and he has a long career in business and strategy including his 30 years as the founder and owner of PARAGON Development which focused on providing strategic management services to many Fortune 50 global corporations.On his ‘retirement' he personally recognized the complexity in Social Security options as well as Medicare. And, there is very little support and education available other than that offered by individuals and organization driven by revenue received for selling products and services.Jack and others are trained and committed with Certified Financial Fiduciary® designations. And, we are volunteer presenters for workshops sponsored by a number of non-profits which are non-profit 501(C)3 organizations and support programs in a wide range of retirement issues.Jack is a Certified Financial Fiduciary ™ in addition to his involvement in numerous professional and personal organizations.Learn More: https://www.fourthquarteradvisors.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jack-peregrim-founder-of-fourth-quarter-advisors-discussing-3-retirement-strategies-nobody-talks-about

Retirement can look solid on paper, but confidence doesn't come from a number; it comes from how your money actually works for you. In this episode, Larry Heller, CFP® breaks down why cash flow, not net worth, is the true driver of financial confidence in retirement. He explains how multiple income sources, tax considerations, and withdrawal strategies must be coordinated to create a sustainable plan. Larry also highlights the risks of relying on outdated strategies like “living off income” and why a more dynamic approach is needed. Through real-life examples and practical insights, he shows how structuring cash flow properly can reduce stress and support long-term lifestyle goals. Larry discusses: Why net worth alone doesn't determine retirement confidence How income sources, taxes, and withdrawals must work together The impact of required minimum distributions and future tax brackets Why “living off income” isn't always a sustainable strategy How to structure cash flow to support lifestyle and long-term goals The role of liquidity and short-term cash reserves in reducing stress Real-life examples of retirees with strong assets but no clear plan And more! Connect with Larry Heller:  (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management LinkedIn: Larry Heller, CFP®, CDFA®, CPA YouTube: Retirement Unlocked with Larry Heller, CFP® Heller Wealth Management is now part of Savant Wealth Management. Savant is a Registered Investment Advisor. This content is provided for informational and educational purposes only and should not be construed as personalized investment advice. Effective March 31, 2026, Heller Wealth Management joined Savant Wealth Management (“Savant”). A copy of Savant's current written disclosure Brochure discussing our advisory services and fees is available at www.savantwealth.com/disclosure-brochures

Is Social Security really disappearing, or is that just another retirement myth? The conversation breaks down common misconceptions around Social Security, healthcare costs, withdrawal rules, and spending in retirement. Damon Roberts and Matt Deaton discuss how long retirees actually live, why retirement often costs more than expected, and how income planning fits into today’s realities. The episode focuses on separating headlines from facts and understanding how modern retirement differs from previous generations. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Tripp Limehouse discusses market volatility, emotional investing, and the importance of a solid retirement plan. He shares insights on reacting to market swings, the Green Line Principle, and how to stay on track for a successful retirement. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.